Protect Your Loan, Your Vehicle, and Your Peace of Mind
Life is unpredictable. Accidents, breakdowns, or unexpected costs can put a strain on your finances. That’s why your credit union offers protection products designed to keep you covered (and confident) no matter what comes your way.
Guaranteed Asset Protection (GAP) & GAP Plus
If your vehicle is totaled or stolen, your insurance may only pay the car’s actual cash value, which is often less than what you owe on your loan. GAP helps cover the difference, protecting you from paying out-of-pocket for a car you can no longer drive.
With GAP you get:
- Coverage up to $50,000 (private passenger vehicles)
- Deductible protection up to $1,000
- Flexible coverage for new, used, and eligible collateral types
- GAP Plus: an additional $1,000 credit toward your replacement vehicle when you finance again with R-G
TotalRestart Equity Protect
Depreciation happens fast. If your vehicle is declared a total loss, TotalRestart helps you get back into a car like the one you originally financed, protecting your equity and down payment.
Benefits include:
- Maximum benefit up to $10,000
- Up to 48 months of depreciation protection
- Fully refundable in the first 30 days; pro-rata refund available after
Auto Advantage
Even a minor accident can cost hundreds out of pocket. With Auto Advantage, you’ll be reimbursed for your insurance deductible if your vehicle is damaged in an accident.
Highlights:
- Reimbursement up to $500 per loss
- Unlimited claims for 3 years
- Covers any vehicle member owns and insures
- Auto Advantage membership included with purchase of GAP or TotalRestart
CU Certified Vehicle Service Contracts (VSC)
Mechanical breakdowns are stressful…and expensive. CU Certified helps with the cost of parts and labor for covered repairs, with nationwide acceptance at any licensed repair facility in the U.S. or Canada.
Why members choose CU Certified:
- True $0 Deductible
Covers diagnostics, taxes, fluids, and filters associated with covered repairs
- 24/7 Roadside Assistance
Includes towing, fluid delivery, lockout service, tire changes, and jumpstarts
- Rental Car Reimbursement
Up to $50 per day for up to 5 days per claim
- Trip Interruption Coverage
When traveling more than 100 miles from home, up to $100 per day for up to 3 days
- Enhanced Tire & Wheel Protection
Available for the full term of the contract
- Additional Coverages Include:
Lift kits (up to 4 inches), oversized tires (up to 2 sizes over manufacturer specifications), personal snowplow use, and rideshare or business use (excluding snowplow use)
Watch the Video Below:
Why Choose Loan Protection Through R-G?
We’re here to keep your financial journey on track. Whether it’s a total loss, unexpected repair, or simply peace of mind, our protection products help ensure you won’t face these costs alone.
Talk With Our Lending Team
Our lending experts are here to answer your questions and help you decide which protection fits your needs.
Contact us today to learn more and discuss your options.
CONTACT OUR LENDING TEAM